What is temporary car insurance in the UAE?
Temporary car insurance; It is the insurance that covers the car against any accident, speed, or damage, for a specific short period of time. The time period of this temporary insurance can range from a few minutes or hours to months according to your requirements and needs. Temporary car insurance is useful for drivers who do not want to In obtaining comprehensive annual insurance in the Emirates, they need temporary insurance when renting cars, learning to drive, or moving between the Emirates and its regions for a limited period of time. In this article, we will discuss the most important information and details about temporary car insurance in the Emirates and its types.
TEMPORARY CAR INSURANCE IN THE UAE
Drivers in the Emirates can obtain temporary car insurance in the Emirates if their stay is short-term in the country, as the duration of temporary car insurance in the Emirates ranges from a few hours, days, weeks, or months, and below we will detail short-term car coverage. In the Emirates, such as their types, what they cover, and what they do not cover, to build a comprehensive overview of this type of insurance:
WHAT IS COVERED BY TEMPORARY CAR INSURANCE IN THE UAE?
Temporary car insurance in the UAE covers several cases, which we explain below:
- Traffic accidents: Temporary car insurance in the UAE covers damages resulting from road accidents
- Personal injuries: Insurance includes any treatments that the driver may need, God forbid, as a result of accidents
- Theft: Temporary car insurance in the UAE protects the car if it is stolen
- Natural disasters: Temporary car insurance in the UAE includes repairing damage resulting from any natural disasters such as: sand storms, floods, etc., but the driver may have to purchase this feature to cover this situation in some types of complex insurances.
- Collision accidents: This insurance covers any damages resulting from car collisions
- Damage resulting from external accidents: that is, damage caused by a third party other than the owner or driver of the vehicle, such as passersby
WHAT IS NOT COVERED BY TEMPORARY CAR INSURANCE IN THE UAE
Temporary car insurance in the UAE excludes several cases, including:
- Mechanical breakdowns: Temporary car insurance in the UAE usually does not cover mechanical breakdowns in the car
- Using the car for commercial purposes: If the car is exposed to any damage as a result of its use for commercial purposes, such as delivering goods or passengers, temporary insurance does not cover it.
- Self-inflicted damage: This case means damage that occurs to the car due to an error on the part of the driver himself. Such as the car colliding with a fixed object, or crossing an edge
- Damages resulting from uninsured accidents: that is, if an accident occurs with another uninsured car; Temporary car insurance in the UAE does not cover this type of accident
- Electrical damage: Temporary insurance does not include any electrical damage to the car, such as car computer malfunctions
- Intentional damage: that is, if the cars are used for practicing car sports such as racing, driving over sand dunes, etc.
- Driving under the influence of drugs or alcohol: any accidents or damages that may occur while the driver is under the influence of these substances; It will not be covered by term insurance
CASES OF USING TEMPORARY CAR INSURANCE IN THE UAE
We explain below the cases in which temporary car insurance is used in the UAE:
- Car rental: It is recommended to obtain temporary insurance for cars rented for a short period of time in case the driver needs them for tourism purposes, or transportation for any purpose in the Emirates.
- Travel: Temporary car insurance is recommended during travel trips to cover any accidents or damages that may occur during them
- Emergency cases: Some people often have to use cars other than their insured cars for a long period, such as the car being in a severe accident and needing maintenance and repairs that may extend for a long period of time, or in the event of the car being lost and stolen and resorting to using an alternative car.
24-HOUR CAR INSURANCE IN THE UAE
Some insurance companies offer; Temporary car insurance for 24 hours only. This full-day temporary insurance is characterized by its flexible coverage that guarantees the driver financial protection from any accidents and sudden damages during this day, if he rents or borrows the car for 24 hours at the lowest cost, or if he wants Renting a car for an unlimited number of days.
TYPES OF TEMPORARY CAR INSURANCE IN THE UAE
There are several types of temporary car insurance available to drivers to choose what suits their needs and requirements. Below we discuss these types:
- Temporary insurance against third parties for cars: This insurance covers all accident damages that the driver caused to others while driving the car within the short-term insurance period specified by the driver. This insurance does not cover any damages to the insured.
- Comprehensive temporary car insurance: This insurance covers a wide range of damages and risks, and includes both the insured’s car and other cars.
You can also learn about the difference between comprehensive insurance and third-party insurance in the Emirates before choosing one of them to insure short-term coverage for cars in the Emirates, and know the steps for submitting vehicle insurance claims in the Emirates in detail.
ADVANTAGES OF TEMPORARY CAR INSURANCE IN THE UAE
There are several advantages of temporary car insurance in the UAE. We will discuss below the most prominent and important ones:
- Flexibility in coverage: Temporary car insurance in the UAE provides flexible coverage periods to meet drivers’ requirements
- Providing legal protection: This temporary insurance provides quick and smooth coverage without the need for any complex or lengthy procedures
- Cost savings: Temporary car insurance is characterized by cost savings compared to long-term insurance, especially if the time period is short-term.
Here we have finished presenting the most prominent details and information about temporary car insurance in the Emirates. We hope that the article has covered all inquiries about short-term car insurance in the Emirates, and for more information about car insurance in the Emirates , and or to view the related laws and regulations. In cars and driving them; We recommend checking out the Sara Cars blog , the leader in the UAE car market, which also presents details of SARA Cars’ insurance and financing services to answer many questions about car insurance, and learn about the most prominent car insurance companies in all parts of the Emirates.
